EMEIA Credit Analyst

Based in London, this is an opportunity for a highly analytic credit risk specialist to join the EMEIA Credit team, helping ensure robust, commercially sound credit decisions that support the continued growth of Apple's business across its distribution, carrier, and retail partner network in the region. Bachelor degree required; preference in business with concentrations in accounting, finance and economics Formal credit training from corporate bank, credit rating agency or multinational corporate credit. 2–5 years of credit and risk analysis experience, preferably within a bank, finance institution or rating agency focused on illiquid credit-related investment analysis. Commercial credit and risk assessment experience, with sound judgement in applying it to real customer situations. Understanding of sovereign and FX risks across emerging and developed EMEIA markets. Strong financial statement analysis skills and a solid grasp of core credit dynamics. Developing negotiation skills, with the ability to balance risk mitigation against stakeholder interests. Working knowledge and familiarity of evaluating risk mitigation instruments such as bank guarantees, standby letters of credit and corporate guarantees, with a willingness to build deeper expertise in their legal and operational mechanics. Comfortable working across functional teams and contributing a clear, well-reasoned Credit perspective on multi-team projects. Clear written and verbal communication skills, able to present credit analysis and recommendations concisely within Apple and to customers' finance teams. Experience analysing telecommunications, distribution, or retail industry segments, a strong plus. Trade credit assessment / collections experience, a plus. SAP systems, Tableau, SQL and an interest in automated AI workflows would be a plus. Intellectually curious, confident, adaptable, with strong time management skills and the ability to work effectively under pressure.